Simple Ways Merchant Services Can Improve Any Retail Business ...

Advanced definition ofmerchant services, merchant services, merchant services account and bank merchant services

In anticipation for its developing popularity, many merchants happen to be gearing up for that Christmas season, and they expect smart phones to be the ?in? way to pay. Additionally, small businesses which feel that they do not really need to take credit cards remain apprehensive. Payment providers are just as fast as credit/debit card, however both the buyer and the seller typically have to be members and the rates are very a bit higher.Credit/debit card tend to be clearly the most popular, reliable, as well as affordable option for companies that want to sell on the internet.

This article is meant as an summary of the three primary facets of charge card processing: the merchant account, repayment gateway, as well as payment processor chip. Merchant services allow for customers? payments in order to processed quickly, efficiently and with ease. Whenever a client chooses to pay for with a debit or charge card, either on the internet or in individual, the seller should have a viable merchant service account.

When you secure a loan, the powers which be check your credit score. Within the darkest times of the economic economic downturn, small businesses in the usa were closing their doorways at an astonishing rate. Banking institutions take on much more risk while providing this kind of accounts because the threat associated with fraud as well as stolen card payments is much higher, out of the box the demonstration of identity theft.

A few strategically placed bad complaints might have dire effects for the supplier. Therefore, it is important to examine the subject completely so one may be capable of an acceptable appreciation of it. Keeping track of income is made simpler by letting another person do it.

To be sure, banks as well as financial institutions tend to be obsessed with danger. More and more customers are using pre-paid cards, gift cards and much more. They will be paid month-to-month so merchants can be assured that they?ll be getting steady flow of cash.

This can be considered as one of the favorable options for your company. Some, such as the discount price, are controlled by the processor chip while others tend to be dictated by the card associations and issuing banks. Protecting all computers from online hackers is important, however protecting a POS product is crucial to your company and your customers? welfare too.

Search for feedback online and watch out for merchant services that have a higher number of unfavorable reviews or even feedback from customers. Fees, comfort and ease, and processing needs all affect that online transaction handling supplier is selected. The products are relatively inexpensive, and it?s a good way to keep your company at the forefront of merchant services.

Make sure the vendor service provider that you choose is actually trustworthy ? as in you trust which sensitive and data will remain that way throughout a normal transaction. Those with uncommon emails do not match the credit card holder?s name can be a sign as well, while not as much as others. Also be sure you don?t have to create an account having a different financial institution.

A small company can use this to its advantage by offering clients yet another option. There?s no automation, and you?ll have to type in each transaction. Remember to ask lots of concerns and be cognizant of how completely the repetition tries to understand your business.

Nevertheless, it is the most transparent as well as accountable costs to enter the merchant services business.

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Iraq's oil exports slightly decline in January

BAGHDAD (AP) ? Iraq's oil ministry says oil exports have declined slightly in January compared to the previous month.

Monday's statement says last month oil exports averaged 2.107 million barrels per day, down from 2.145 million barrels per day in December.

The sales grossed $7.123 billion based on an average price of $109.081 per barrel. December's revenues stood at $7.061 billion with an average price of $106.18 per barrel.

The oil was sold to 29 international oil companies.

Iraq relies on oil exports for 95 percent of its revenues, and the uncertainty in the market stemming from the conflict between the West and Iran over its controversial nuclear program has helped support global crude prices.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-02-20-ML-Iraq-Oil/id-79e5224cb1cb4e16aaf79680a2dd2d8e

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We Work Together For Non Profit Debt Consolidation Credit Friendly ...

Extreme household debt is a giant issue. We comprehend that it?s truthful. Though that ultimately comes about for numerous families. Debts have to be handled and sometimes it could be particularly difficult. Families endeavor to lessen fees however housing proves to be costly. Your career upholds a monthly provision therefore you struggle to trim expenses with any circumstance. Although tragedies come up and other charges grow. Those debts arrive much faster than the wages.

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Your introductory move is for you to ascertain the sum of your unsecured debt. Doing it may be troublesome calculating all of your collections, but you will complete this. If we don?t have your sum we can?t locate our right plan for you. Keep tranquil, gather your paperwork and present us the sum we want to start calculating. Our consultants can help you recognize processes to condense the debts.

Our analysts speak to your account managers and amend any details. The goal is to establish the Student Debt preparation that can help all parties. Bankers expect to be paid nevertheless you want any lenders to be reasonable. Our planners can help you deal with this accounts to become normal. You can be unbound by worry and our planners fix problems!

You need to get the appropriate approach to repair these delinquencies. You?re instantly losing your invaluable faculty to decide the prospects Our analysts support you to resolve any setbacks.

Contact us quickly and speak to our consultants. Your account is appearing substandard as you linger. Bill collectors will continue bothering your household. Taxes are getting massive right now. Now you?re missing sleep plus your condition is decreasing. Could you really be pausing? Why agonize continually and overlook this fundamental hurdle? Get with us to help you settle your unsecured debt!

Tags: Debt Consolidation Services, Non Profit Debt Consolidation
Posted February 13, 2012 by Consolidate Student Debt under Bad Credit, Credit Repair, Debt Counseling, Finacial Services

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Source: http://www.creditfriendlyfinance.com/work-profit-debt-consolidation/

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Radiation After Lung Cancer Surgery Doesn't Help All: Study (HealthDay)

MONDAY, Feb. 13 (HealthDay News) -- For older people with a certain type and stage of lung cancer, administering radiation treatment after surgery may not extend survival, according to a new study.

Radiation is not without risks, and the new study "questions the benefit of this treatment," said study leader Dr. Juan Wisnivesky, an associate professor of medicine at Mount Sinai School of Medicine in New York City.

He and his team looked at survival outcomes in more than 1,300 lung cancer patients with locally advanced disease, 710 of whom got the postoperative radiation therapy. It is routinely given in an attempt to prevent recurrence.

No substantial survival benefits were found at one year or three years.

"We found in this group of elderly patients, many of whom received the treatment, the use of the treatment did not appear to help them live longer," he said.

Patients in the study, all 65 or older, had stage 3 non-small cell lung cancer and involvement of N2 lymph nodes. Their cancer had spread but not widely. All had been diagnosed from 1992 through 2005 and were included in the U.S. Surveillance, Epidemiology, and End Results database, which is linked to Medicare.

The study, published online Feb. 13 in the journal Cancer, was funded by the U.S. National Cancer Institute.

About 226,000 new cases of lung cancer will be diagnosed in the United States this year, 90 percent of which will be non-small cell, according to the American Cancer Society. Within non-small cell cancers, there are three main subtypes.

Previous studies looking into the survival benefits of post-op radiation for this group of patients have produced mixed results, Wisnivesky said.

However, in his study, he found no substantial differences between those who had the treatment and those who didn't. And, radiation therapy carries risks. Besides the inconvenience of the additional treatments, the therapy can cause irritation of the lungs and inflammation of the esophagus, he said.

"Patients need to be well informed," he said. "They have to have a good discussion with their doctor about what are the potential benefits," he said. They also need to discuss possible side effects.

Another expert, Dr. Dan Raz, an assistant professor of surgery at City of Hope Comprehensive Cancer Center in Duarte, Calif., emphasized that the study is not talking about all stage 3 lung cancer patients, but only a specific group, those with stage 3 non-small cell and involvement of the N2 lymph nodes.

"It's a small subset of patients" of all lung cancer patients, he said, adding that it's a challenging group.

Some previous small studies have also suggested that post-op radiation may be unnecessary in these patients, and the new findings add to that argument, he said.

"In the end, survival and quality of life are the most important things for patients," Raz said. But recurrence, a key factor, was not addressed in the study, he said.

The new finding "wouldn't change the way I treat patients, but I think it raises a very important point."

What's needed is a trial comparing use of post-operative radiation and its non-use in this group of patients, Raz said. According to Wisnivesky, such a study is under way in France, but will take several years to finish.

More information

For more on radiation therapy, go to the American Cancer Society.

Source: http://us.rd.yahoo.com/dailynews/rss/cancer/*http%3A//news.yahoo.com/s/hsn/20120214/hl_hsn/radiationafterlungcancersurgerydoesnthelpallstudy

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Why it is so Important to do | New Health and Fitness

New Health And Fitness.Org - Health Information You Can Use

With the help of proper flexibility training, it is possible to prevent injury, feel relaxed, keep the body agile and loose, and improve the posture and performance.If you are not stretching before and after every workout, then you are not only putting yourself at risk of spraining a muscle, but a well you are not going to be able to get the most of your workouts.

As per new stretching techniques guidelines, it is advisable to use the static stretching, which suggests gradual, slow and controlled elongation of the muscles.

The leg stretching exercise ideas, such as the double leg stretch for instance, are especially important to perform, because you use your legs more than any other parts of your body when you are working out and just in life in general. Making sure that you do each leg stretching exercise properly and hold for the right amount of time is very important.You should always perform each leg stretching exercise just as directed, and make sure that you never push it too far, because you can end up tearing your muscles and you certainly do not want to do this.

There are a few leg stretching exercise ideas that work very well and which you will want to include in your warm up and cool down routines from now on. One is a hamstring stretch, and to perform it you want to sit on your butt on the floor, and have one leg bent in with the foot towards you almost on your lap, and the other stretched straight out to the side.Now gently you want to lean forward with both of your hands, towards the foot of the leg that is stuck straight out. Try to reach as far down your leg as you can, hopefully near the ankle at least, but to the toes is best, but again make sure that you do not go too far with your stretch.

After this workout, the muscles will be warm, and it is essential to do stretching exercises for each and every major muscle group. For this one you just want to stand up straight, balancing yourself with one hand on a chair or other object, and then you just pull the foot of one of your legs backwards, with the foot pointing up towards your head and hold for twenty seconds, then repeat with other leg.

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Source: http://newhealthandfitness.org/2012/02/13/why-it-is-so-important-to-do/

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Super Bowl Champ Victor Cruz Approached By 'Dancing With The Stars' (omg!)

Victor Cruz's football moves helped lead the New York Giants to a Super Bowl victory, and now, his spicy touchdown hip action has caught the attention of "Dancing with the Stars" producers.

"They actually called already," the Giants wide receiver told Access Hollywood's Shaun Robinson of "Dancing with the Stars" producers' interest, during an interview backstage at the 2012 Grammy Awards in Los Angeles on Sunday. "I had to decline, unfortunately."

PLAY IT NOW: Grammy Awards 2012: Will Giants Wide Receiver Victor Cruz Be Competing On ?Dancing With The Stars??

The football star said he wants to keep his eyes on the game for now, but didn't rule out a possible future run at the mirrorball trophy.

"I had to decline, just because I want to focus on football and focus on my craft a little bit," he told Shaun. "So, maybe in the future."

VIEW THE PHOTOS: Scenes From The ?Dancing With The Stars? Season 13 Finals

Victor, who was on hand at the award show (along with Mario Manningham) to present the Grammy for Best Rock Performance, said being on the Grammy stage was more nerve-wracking than playing pro football.

"What do you think is harder?" Shaun asked Victor.

"Definitely that Grammy stage, man," he replied. "You don't have a helmet on, you're not running around, it's just people starring at you wondering what you're gonna do next. So it was definitely a great experience and I'd definitely do it again."

VIEW THE PHOTOS: Game On! Sexy Male Athletes!

Copyright 2012 by NBC Universal, Inc. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Source: http://us.rd.yahoo.com/dailynews/rss/entertainment/*http%3A//us.rd.yahoo.com/dailynews/external/omg_rss/rss_omg_en/news_super_bowl_champ_victor_cruz_approached_dancing_stars072547365/44510851/*http%3A//omg.yahoo.com/news/super-bowl-champ-victor-cruz-approached-dancing-stars-072547365.html

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Make Real Money Online With Internet Based Affiliate Programs

New Post from Way to Make Money Online

Generally speaking, affiliate program on the Internet seems including everything, no matter as hot as pay per click (PPC) advertising or as old as pay per impression or pay per sale (PPS) or marketing lead. So it is true that all legitimate businesses online home based, no matter big or small, make real money online with Internet based affiliate programs. The only doubt is how to select appropriate programs based internet affiliate make real money online. What is a partner? What is an Affiliate? A partner is a partner who works with others toward a common goal. An affiliate is a subsidiary or subordinate organization that is affiliated with another organization. It seems that the difference is there, but the basic meaning is the same ? for benefit sharing. For home business online based on legitimate affiliate programs based Internet huge advantages: 1. No hustle and be your own boss. 2. With little or no cost to implement. 3. No difficult task to handle, such as customer service, shipping or inventory management. 4. High income potential and keep running 24 hours a day, 7 days a week, no vacation without stopping and sale worldwide. Based on the individual company policy, there are some rules that do not register all programs affiliated Internet-based, such as pay-per-click (PPC) search engines (SE) or the game Internet affiliate programs based may not be compatible. Meanwhile, you may be aware that each company has its minimum payment and commission rates my personal experience, I highly recommend others to register your internet based affiliate programs. This will bring you two major advantages: one is save your time, the other is collecting your money together. There are thousands of individual programs of affiliated Internet-based research services, many being through third party Internet networks affiliate program like Clickbank, Commission Junction, Linkshare and so on. These companies connect a large number of advertisers and publishers as well as through their own affiliate network. As a publisher, one registration gives you access to tens or even hundreds of advertisers simultaneously. Performance monitoring partner is easy: there is only one technical support contact and easier to manage, as only using one user ID and password. Payment is received as your monthly income. Another is the third-party credit check of Internet based affiliate programs and reputation. Payment thresholds can often be quite high ? a minimum of $ 50 in the U.S. is common for international publishers. Finally, a late payment of two months or more from the date of generation for sale / lead can occur often. Not to mention some Internet based affiliate programs have been known not to deal fairly with affiliate tracking sales and leads properly as honestly as they could be. Not to mention some Internet based affiliate programs advertise that they are not responsible for failing to check. Can we wonder if they really send a check? For these affiliate programs on the Internet large base, like Google AdSense, Amazon, you can participate directly with their Internet based affiliate programs. How should you choose an individual program of Internet affiliate? My suggestion is not to choose an affiliate program on the Internet that according to the payment scheme, but rather by the type of people who are likely to visit your website, it means relevance. For example, if you target legitimate online home based on your website, links to Internet based affiliate programs in school recruitment program, textbooks, such as the sale and may generate less revenue than banners that link to paid survey companies. The most important rule of choosing an affiliate program on the Internet is knowing your target audience. Another suggestion is not necessary to join every affiliate program based on unique Internet that comes your way. Some gurus suggest that sites that make the most real money from affiliate programs on the Internet are based on register a small amount of Internet based affiliate programs.

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Source: http://chrissullivanonline.com/blog/make-real-money-online-with-internet-based-affiliate-programs-2/?utm_source=rss&utm_medium=rss&utm_campaign=make-real-money-online-with-internet-based-affiliate-programs-2

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Chris Brown To Perform At The Grammys: Report

NEW YORK -- Chris Brown will perform at this year's Grammy Awards, the event where his career almost ended three years ago.

Brown admitted to assaulting then-girlfriend Rihanna at a pre-Grammy party in 2009 and is serving five years of probation for the felony attack. A source told The Associated Press on Monday that Brown will hit the stage at Sunday's show. The source spoke on condition of anonymity because Brown's performance has not been officially announced.

After the attack, Brown's reputation plummeted, but he has since bounced back, releasing multiple mixtapes and the multi-hit album, "F.A.M.E. (Forgiving All My Enemies)." The CD is nominated for three Grammys, including best R&B album.

Rihanna also will perform at the show. She's nominated for four awards, including the top prize ? album of the year ? for her platinum effort "Loud."

Brown and Rihanna were supposed to perform at the 2009 Grammys, but that changed after Brown attacked the pop singer in the early morning hours before the awards show. Since then, Brown has not attended the Grammys, although he was nominated for three awards last year.

A judge eased a restraining order last February after an attorney for Rihanna said she didn't object to removing the stay-away provisions. The former order required Brown to stay 50 yards away from 23-year-old Rihanna, but the restriction was reduced to 10 yards if they were at a music industry event.

Brown, 22, has been nominated for Grammys in five of the last six years, though he has never picked up the top prize in music. His song "Look at Me Now," which features Lil Wayne and Busta Rhymes, is nominated for best rap song and best rap performance.

Rihanna is the owner of four Grammys, three with Jay-Z. She alone won a Grammy last year for her No. 1 smash, "Only Girl (In the World)" for best dance recording. In addition to album of the year, her fifth CD "Loud" is up for best pop vocal album. Rihanna is also nominated twice for best rap/sung collaboration for another No.1 jam ? the Drake-assisted "What's My Name?" ? and for her guest appearance on Kanye West's "All of the Lights."

The Grammys will air live on CBS from the Staples Center in Los Angeles.

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Online:

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Source: http://www.huffingtonpost.com/2012/02/06/chris-brown-grammys-perform-rihanna_n_1258936.html

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Former intern reveals 18-month affair with JFK (Reuters)

(Reuters) ? A former White House intern is speaking out about an 18-month affair she had with President John F. Kennedy while he was in office, revealing intimate details in a new book to be published on Wednesday.

Mimi Alford, who was 19 when she started her internship at the White House in 1962, discussed her secret sexual affair with the president in her book "Once Upon a Secret: My Affair with President John F. Kennedy."

She told NBC's Meredith Vieira that she decided to write the book to stop her secret becoming "deadly."

"It's not so much that I feel that I'm exposing myself, it's that I'm really unburdening myself - it was a very difficult thing for me to do," Alford said in an interview to be broadcast on Wednesday.

The former intern discussed details including swimming with the president just four days into her internship, and doing her homework en route to Washington to have sex with Kennedy.

"I should have felt guilty. He was married to Mrs. Kennedy. But I didn't at the time -feel guilty," Alford said.

There have been numerous reports since his 1963 assassination of Kennedy having had extra-marital affairs with several other women, including allegations of a dalliance with Marilyn Monroe.

"I think that's probably partly what makes me feel sad when I look back. It made me feel very special," Alford said of reports of Kennedy's other affairs.

The full interview with Vieira will air on NBC's "Rock Center with Brian Williams" on Wednesday.

(Reporting By Piya Sinha-Roy; Editing by Jill Serjeant)

Source: http://us.rd.yahoo.com/dailynews/rss/us/*http%3A//news.yahoo.com/s/nm/20120206/us_nm/us_jfk_affair

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Philippine extremist planning attacks when killed (AP)

MANILA, Philippines ? Two Philippine security officials say a key Abu Sayyaf commander killed in a U.S.-backed airstrike was planning terror attacks when he was slain.

Abu Sayyaf commander Umbra Jumdail was killed Thursday in a jungle hideout on southern Jolo island. The officials say his death is a major blow to his al-Qaida-linked group because he harbored Southeast Asian terrorist figures, who provide funds and bomb-making training.

Military spokesman Col. Arnulfo Marcelo Burgos repeated Sunday that top Southeast Asian terror suspect Zulkifli bin Hir from Malaysia and Singaporean militant Abdullah Ali were killed along with Jumdail and 12 other gunmen.

The two security officials, however, say the two are still alive and not in the area that was bombed.

Source: http://us.rd.yahoo.com/dailynews/rss/terrorism/*http%3A//news.yahoo.com/s/ap/20120205/ap_on_re_as/as_philippines_terror_leaders

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Several significant info about australia that you may possibly can?t ...

Australia is frequently thought of as being a level place in addition to being experiencing toasty environments basically anytime. There?s a simple several good reasons for the since most of the time it truly is authentic. Nonetheless ladies mountain / hill vary inside named a Foreign Alps which often stretch out earlier mentioned key 1, 000 foot. During the winter season these kind of hills acquire massive levels of snow, a lot more than Europe and are property to help a lot of skiing major resorts.

This Australian Alps are generally where the provinces associated with Brand-new Southern area Wales in addition to Victoria encounter and additionally generally are around this Aussie Funds Sales area. While not being a very extensive off-road range when ever to when compared with some people that may be identified all over the world these people undertake extend for most range. They are just one serious mountain range inside Questionnaire. This has made these individuals some thing of an attraction practically for the reason that primary Europeans arrived on the scene.

That reams for the Aussie Alps can be rather smallish through the specifications of declare your Himalayas by using levels regarding all over six thousands of toes increasingly being most commonly seen. Financial firms largely simply because this other continent is indeed poor. Ever since the mountain range are mostly encased by stretch of land that may be for seashore level these people undertake seem to climb fairly quite some distance. They are also really robust mountain tops, with extensive drawn to climbers wanting to herb this Questionnaire hole on the top with the main peaks.

That a revelation basic fact there presently exists hills makes two exciting comparing Quarterly report that the majority people could not get suspected, you are that going barefoot snows, a whole lot. The is important with Questionnaire will mean that all sorts of things along the seacoast will become many rain, from excessive altitudes which weather is snowfall through the winter season. The outcome will be that this Aussie Alps get more excellent skiing conditions inside of a 365 days than the whole usa associated with Switzerland.

Cold mountain tops as well establish one other excitement undeniable fact that nearly everybody don?t know around Queensland, winter sports is often an extremely popular recreation. You can find 1000s of snowboard resorts in the Australian Alps and they appeal to various guests on an annual basis. Your Perisher location is in fact the largest ski hotel with the the southern area of hemisphere. It is usually imagined of the fact that most seasoned active snowboard club on the globe is located inside Australia, one other reality few persons might suspect.

Whereas most people are always shocked to sit and learn that may be snows in Australia together with there are big ski major resorts, this is certainly commencing to shift. Because it is usually the summer months with the upper hemisphere during the Hawaiian wintertime the region is commencing to enhance by itself to be a rock climbing destination for people who can?t watch for the snows get started on slipping of their own personal area. So it will be competitive to expect that over the following decade way more individuals can come with the conclusion that there?s many excellent skiing conditions with Australia.

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Divine Writers ? Detroit Red Wings Hats Are A Great Way To ...

The Detroit Red Wings are probably the greatest groups in the NHL. They?ve been around for a long time and they have been a force to deal with. They don?t get it done with flashy players but rather with a complete lineup of solid athletes. Due to this technique, they?re continuously successful and making Detroit extremely pleased.

It?s hard not to support the Red Wings given how accustomed they are to winning. If you actually want to get into it you should think about investing in Detroit Red Wings jerseys. You will find a number of different choices for top quality jerseys that allows you to proudly show the red and white colors that everybody in Detroit instantly identifies.

Many people do not have local teams within their city to support and due to that they either pick one that?s close or one that is extremely popular. The Detroit Red Wings are a team that has quite a few fans spread across the country because of how solid of a team they consistently are. You don?t have to be from Detroit to appreciate their skill.

So whether you reside in the region or not, you should support them with Detroit Red Wings apparel. Official, top quality jerseys are the symbol of a true fan, and by wearing them you are displaying to everybody whom you support. You can go with the jerseys which are exact replicas of the ones the players wear or you can go with the t-shirts made to look like jerseys.

The Detroit Red Wings are a team that performs perfectly together. Being led by Niklas Lidstrom, a player noted for being extremely humble, the rest of the team tries to avoid being flashy as well. That allows them to focus on the game and get the job done. For that reason, all the players receive an equal amount of glory.

Because that is the case, you can wear any of the Detroit Red Wings jackets or jerseys with satisfaction. You don?t have to worry about there only being one option obtainable, because there are so many good players on the team. You can put on a jersey representing your favorite player and not have to worry that everyone else will have exactly the same one.

Detroit Red Wings jerseys make excellent gifts, both to die hard and casual fans. They are designed with polyester pique two way stretch mesh and are ventilated by solid mesh inserts. The collar is rib knit and has the official NHL logo on it. The official Red Wings logo is stitched to the front of the jersey just like the pros wear.

If you are planning to invest in a jersey, you may as well allow it to be the official one. You?ll have the same exact type that the professionals wear, and you will look like a true fan of the team.

If you have been looking for a red wings jersey for a while there are many places that you can find one. You may also find that the detroit red wings hats are the right fit for you.

Source: http://www.divinewriters.com/2012/02/detroit-red-wings-hats-are-a-great-way-to-support-your-team/

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AP sources: Taliban leader sent letter to Obama

WASHINGTON (AP) ? Current and former U.S. officials tell The Associated Press that reclusive Taliban leader Mullah Mohammed Omar wrote to President Barack Obama last year indicating an interest in talks key to ending the war in Afghanistan.

The previously undisclosed communication was considered authentic by people who saw it, but skeptical administration officials say they cannot determine if it actually came from Omar. The unsigned letter was passed through a Taliban intermediary in July. An administration official says it represented views consistent with what Taliban emissaries had been telling U.S. officials.

The officials spoke on condition of anonymity because the letter and its contents are part of sensitive diplomacy.

A direct message from Omar could be a strong signal that the Taliban movement is interested in negotiation at the highest levels.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-02-03-US-US-Taliban-Obama/id-2e3fc19608c845e68c3cbe2495f3dccb

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Madonna Is Ready For Some Football In 'Luvin' Teaser

Nicki Minaj and M.I.A. open 60-second 'Give Me All Your Luvin' ' video preview, which premiered on 'American Idol.'
By Adam Graham

Madonna
Photo: Theo Wargo/Getty Images

Madonna definitely has football on her mind — not only for her upcoming performance at Sunday's Super Bowl, but also in the video for her new single "Give Me All Your Luvin'."

A 60-second preview of the video, which premiered on Thursday's (February 2) "American Idol," opens with the track's guest stars, M.I.A. and Nicki Minaj, dressed in cheerleader uniforms and spelling out "L-U-V Madonna! Y-O-U, you wanna?"

Madonna then appears, kicking down the door of a suburban home, clad in a long rain coat, sunglasses and fingerless gloves, pushing a baby stroller. She turns onto the street where Nicki — who appears to have Adidas logos covering her breasts — and M.I.A. are waiting for her along with a team of cheerleaders. As Madonna prances down the street, a football player appears and barrels through a street-hazard marker in her way. A phalanx of football players then appear with umbrellas, shielding her from what looks like a storm of acid rain, and lay down their coats for her on the sidewalk as she struts in the slinky black outfit she had on underneath her coat. They'll do anything to make sure her path is clear, even tearing apart a taxicab that's in her way. She leans back and lets them lift her above their heads, and they prop her up against a wall that she appears to walk along sideways.

The suburban football scenes are cut against flashes of Madonna, an oversize cross around her neck, performing and shaking her booty in front of a brick wall, lit by a spotlight.

The video, for the first single from Madonna's upcoming M.D.N.A., was directed by Megaforce, who has helmed videos for Kid Cudi, Two Door Cinema Club and more. The full video is scheduled to debut Friday at 9 a.m. ET on Madonna's YouTube channel.

What did you think of Madonna's "Give Me All Your Luvin' " video teaser? Let us know in the comments!

Get your "Idol" fix on MTV News' "American Idol" page, where you'll find all the latest news, interviews and opinions.

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Source: http://www.mtv.com/news/articles/1678463/madonna-give-me-all-your-luvin-american-idol.jhtml

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Mortgage rates for the past 52 weeks, at a glance (AP)

Skip to navigation ? Skip to content ? By The Associated Press The Associated Press ? Thu?Feb?2, 10:25?am?ET

The average rate on the 30-year fixed mortgage fell this week to a record low, the ninth time that has happened in the last year, Freddie Mac said Thursday.

Here's a look at rates for fixed- and adjustable-rate mortgages over the past 52 weeks:

Current week's average Last week's average 52-week high 52-week low

30-year fixed 3.87 3.98 5.05 3.87

15-year fixed 3.14 3.24 4.29 3.14

5-year adjustable 2.80 2.85 3.92 2.80

1-year adjustable 2.76 2.74 3.40 2.74

All values are in percentage points.

Source: Freddie Mac Primary Mortgage Market Survey.

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Copyright ? 2012 The Associated Press. All rights reserved. The information contained in the AP News report may not be published, broadcast, rewritten or redistributed without the prior written authority of The Associated Press.

Source: http://us.rd.yahoo.com/dailynews/rss/personalfinance/*http%3A//news.yahoo.com/s/ap/20120202/ap_on_bi_ge/us_mortgage_rates_glance

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Romney turns to killer instinct to win Florida

Republican presidential candidate, former Massachusetts Gov. Mitt Romney, celebrates his Florida primary election win at the Tampa Convention Center in Tampa, Fla., Tuesday, Jan. 31, 2012. (AP Photo/Charles Dharapak)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney, celebrates his Florida primary election win at the Tampa Convention Center in Tampa, Fla., Tuesday, Jan. 31, 2012. (AP Photo/Charles Dharapak)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney, reacts to supporters at his Florida primary primary night rally in Tampa, Fla., Tuesday, Jan. 31, 2012. (AP Photo/Gerald Herbert)

TAMPA, Fla. (AP) ? Mitt Romney embraced a killer instinct and leveraged a dominant political machine to crush chief rival Newt Gingrich in Florida's Republican presidential primary.

It was a remarkable turnaround for a candidate who lost big just 10 days earlier in South Carolina.

"I stand ready to lead this party and our nation," a jubilant Romney told cheering supporters Tuesday night in Florida, claiming a resounding victory in a state that rejected his White House bid in 2008.

Romney was beaten down as he came into Florida after Gingrich trounced him in South Carolina. The former House speaker's triumph fueled a wave of momentum that threatened to unite anti-Romney conservatives in Florida and beyond.

Recognizing the threat, Romney had hatched a new strategy even before the South Carolina loss was official.

It would be the end of nice-guy Romney, the man who had usually saved his sharpest barbs for President Barack Obama and let his allies run the attack ads. From the start of the Florida campaign, voters here witnessed Romney's new go-for-the-jugular approach on their television sets, debate stages, and even at Gingrich's campaign stops.

"If you're attacked, I'm not going to just sit back," Romney said Tuesday, warning his competitors that the tough guy is here to stay. "I'm going to fight back and fight back hard."

It wasn't just Romney's attack mode ? and efforts to undercut Gingrich's character ? that guided him to victory.

He also was sitting on a ton of cash and had built an extensive statewide campaign, giving him enormous advantages in a massive state with 10 media markets where campaigns often are won on the air.

Romney and his allies ultimately poured roughly $16 million into Florida television advertising. Restore Our Future, the "super" political action committee supporting Romney, began running Florida ads in mid-December. The candidate and the super PAC also launched an aggressive campaign to court absentee and early voters.

Gingrich was overmatched in Florida on all those fronts. He and his allies turned their attention to the state several weeks after Romney's team had begun its work. He hired local staffers just a month before the election. And he never had the money to compete. Gingrich and his allies spent a quarter of Romney's total ? roughly $4 million ? on Florida advertising.

Gingrich's fiery demeanor and Ronald Reagan comparisons turned out to be no match for Romney's behemoth organization and newfound aggression.

The former congressman from Georgia arrived in Florida on Jan. 22 with a head of steam after his South Carolina win.

One day later, he was confident as he took the stage for the first of two debates before Florida's primary.

But so was Romney, who had hired a new debate coach that week.

The first sign of Romney's new strategy came early as he tore into his opponent, a former college professor who had built his candidacy on the strength of his debate performances. Among other things, Romney attacked Gingrich's work for the mortgage giant Freddie Mac, which would soon become a Romney refrain.

"Freddie Mac was paying Speaker Gingrich $1.6 million at the same time Freddie Mac was costing the people of Florida millions upon millions of dollars," Romney said.

Despite that subpar debate performance, Gingrich initially drew thousands of hopeful Republicans to airport hangars and hotel ballrooms across the state. Fearing crowds might threaten public safety, a fire marshal blocked hundreds from entering a packed venue on the Space Coast last week. And for a time, Gingrich clearly believed he would prove that South Carolina wasn't a fluke.

"I predict people power will beat money power," an almost giddy Gingrich told thousands of cheering supporters in Sarasota last week. "If we win the primary next Tuesday I believe I will become the Republican nominee. So, as the nominee, I get to come back to Tampa in August. We'll have a really big rally for that."

The giddiness didn't last long.

That same day, Romney began running a blistering new ad on Florida television stations across the state. It was a first for a Romney campaign that had been content, up to that point, to leave the negative advertising to outside allies. No more.

"While Florida families lost everything in the housing crisis, Newt Gingrich cashed in," the narrator said. "Gingrich resigned from Congress in disgrace. And then cashed in as a D.C. insider."

Gingrich had previously shrugged off questions about his consulting work for Freddie Mac. But Romney wouldn't let Gingrich off the hook in Florida. Two days after the ad began running, Gingrich suffered perhaps his greatest setback on an unlikely stage.

The candidates met Thursday night in Jacksonville for the final debate before the primary.

Romney supporters packed into the auditorium to help win the applause battle. And Romney researchers found a gem among Gingrich's personal investments hours before the debate.

Gingrich walked into a trap when he criticized Romney for investing in funds that include stock from Fannie Mae and Freddie Mac.

"Mr. Speaker, I know that sounds like an enormous revelation, but have you checked your own investments?" Romney asked a stone-faced Gingrich. "You also have investments through mutual funds that also invest in Fannie Mae and Freddie Mac."

It was like a punch to the stomach for Gingrich, who needed a strong showing to reclaim the momentum. He was speechless and wouldn't recover that night or in the days that followed.

Florida polls had already started swinging wildly in Romney's favor. And he didn't take his foot off Gingrich's neck.

At a campaign stop the next day, Romney likened Gingrich to Goldilocks, the fairy tale character who complained of the temperature of her porridge. He repeated the jab the next day. And Romney dispatched high-profile surrogates to Gingrich events, ensuring that no attacks would go unanswered in real time.

The strategy produced uncomfortable moments for Gingrich and sometimes clouded his message. Surrounded by reporters and cameras, a Gingrich spokesman forced an argument with a Romney representative, Utah Rep. Jason Chaffetz, about Fannie Mae and Freddie Mac.

It was an unusual approach for a campaign that appeared to be in a tailspin.

Gingrich's crowds started to shrink. And the campaign further alienated voters by struggling with the logistics of campaigning in a large state ? often arriving at events 90 minutes late in the campaign's final days.

Romney didn't let up.

The campaign aired a second attack ad four days before the primary featuring an NBC News broadcast from 1997 about Gingrich's ethical problems as the House speaker. The Romney campaign refused to take the ad down after objections from NBC, a dispute that only heightened the ad's exposure.

But Gingrich was defiant until the end.

On Tuesday, he predicted the race would continue for another six months regardless of the Florida results. "Unless Romney drops out earlier," he quipped.

Romney has signaled that he won't back off his aggressive strategy so long as Gingrich is within striking distance, saying, "I'm not going to stand back and allow another candidate to define me."

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/89ae8247abe8493fae24405546e9a1aa/Article_2012-02-01-How%20Romney%20Won/id-1ad27973abb14fa2bbe3880185b48718

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Lisa Marie Presley opens new Elvis exhibit (Reuters)

NASHVILLE (Reuters) ? Elvis Presley's daughter, Lisa Marie Presley, gave visitors to Graceland an inside look at her life with the King of Rock 'n' Roll at his Memphis estate on Wednesday as she celebrated her 44th birthday with the opening of a new exhibit.

The exhibit is called "Elvis... Through His Daughter's Eyes," and displays artifacts including Lisa Marie's baby footprints, tricycle, a record player and her crib, said Kevin Kern, director of public relations for Elvis Presley Enterprises.

"This exhibit is something she has been very excited about," Kern said, adding that it also includes family photos and home movies featuring Lisa Marie's childhood and her relationship with her father before he died in 1977.

On an appearance on ABC's "Good Morning America" Wednesday, Lisa Marie Presley showed off a scarf on which Elvis had written the words "I love my Lisa, Daddy" from 1972.

She told the show that she remembered her father singing "Can't Help Falling in Love" to her. She said the new exhibit includes some of her dad's "most amazing clothes ever" and a small chest containing personal items he took with him on tour, including a photo of his father and his driver's license.

Twenty-five people were chosen from more than 2,000 entries for the first day of the exhibit, and each was allowed to bring a guest.

Among the visitors was Tom Termeer, 39, who with his wife Kristen, 35, made the 15-hour drive from Ontario, Canada.

Termeer had been scheduled for a meeting with his doctor Wednesday in preparation for brain surgery to help relieve pain from cluster headaches. But once he discovered that he had won the lottery to meet Lisa Marie Presley, "I had to blow that appointment off to come here," he said.

"One of the biggest reasons I did that is my surgery at the end of the month. Everybody said 'Be Positive,' and I am, but there is a slight chance it may not work and a slight chance I may die," Termeer said. "This is filling the bucket list."

He said that when Lisa Marie Presley learned how far he had traveled and what he is facing she spent extra time with him and his wife.

"It was overwhelming. It was hard to control my composure," Termeer said, adding, "I couldn't help but bawl my eyes out."

It was his second trip to Graceland, which draws an average of 600,000 visitors a year, but his wife's first.

"Elvis was my guy," he said.

(Reporting By Tim Ghianni; Editing by Mary Wisniewski and Cynthia Johnston)

Source: http://us.rd.yahoo.com/dailynews/rss/celebrity/*http%3A//news.yahoo.com/s/nm/20120201/people_nm/us_presley_graceland

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Did Leonardo da Vinci copy 'Vitruvian Man'?

Leonardo da Vinci's drawing of a male figure perfectly inscribed in a circle and square, known as the "Vitruvian Man," illustrates what he believed to be a divine connection between the human form and the universe. Beloved for its beauty and symbolic power, it is one of the most famous images in the world. However, new research suggests that the work, which dates to 1490, may be a copy of an earlier drawing by Leonardo's friend.

Another illustration of a divinely proportioned man ? the subject is Christ-like, but the setting is strikingly similar to Leonardo's ? has been discovered in a forgotten manuscript in Ferrara, Italy.

Both drawings are depictions of a passage written 1,500 years earlier by Vitruvius, an ancient Roman architect, in which he describes a man's body fitting perfectly inside a circle (the divine symbol) and inside a square (the earthly symbol). It was a geometric interpretation of the ancient belief that man is a "microcosm": a miniature embodiment of the whole universe. Leonardo and other scholars revived this vainglorious notion during the Italian Renaissance.

After decades of study, Claudio Sgarbi, an Italian architectural historian who discovered the lesser known illustration of the Vitruvian man in 1986, now believes it to be the work of Giacomo Andrea de Ferrara, a Renaissance architect, expert on Vitruvius, and close friend of Leonardo's. What's more, Sgarbi believes Giacomo Andrea probably drew his Vitruvian man first, though the two men are likely to have discussed their mutual efforts.

Sgarbi will lay out his arguments in a volume of academic papers to be published this winter, Smithsonian Magazine reports.

The key arguments are as follows: In Leonardo's writings, he mentions "Giacomo Andrea's Vitruvius" ? seemingly a direct reference to the illustrated Ferrara manuscript. Secondly, Leonardo had dinner with Giacomo Andrea in July 1490, the year in which both men are thought to have drawn their Vitruvian men. Experts believe Leonardo would have probed Giacomo Andrea's knowledge of Vitruvius when they met. And though both drawings interpret Vitruvius' words similarly, Leonardo's is perfectly executed, while Giacomo Andrea's is full of false starts and revisions, none of which would have been necessary if he had simply copied Leonardo's depiction. [Early Christian Lead Codices Now Called Fakes]

Other scholars find the arguments convincing.

"I find Sgarbi's argument exciting and very seductive, to say the least," said Indra McEwen, an architectural historian at Concordia University who has written extensively about the works of Vitruvius. "But [I] would opt for the view that Giacomo Andrea and Leonardo worked in tandem, rather than Leonardo basing his drawing on Andrea's."

Rather than competitors, the two Renaissance men were colleagues working together to bring a beautiful, ancient idea back to life.

"Whose was the 'original' drawing is a non-question as far as I'm concerned. ?Much as it is a preoccupation of our own time, I don't think it would have been an issue in Leonardo's day," McEwen told Life's Little Mysteries.

Patrice Le Floch-Prigent, an anatomist at the University of Versailles in France who has analyzed the anatomical correctness of Leonardo's famous work, noted that, for both drawings, "the source is Vitruvius."

Furthermore, regardless of their chronology, Leonardo's work is an improvement on Giacomo Andrea's, McEwen said: "Leonardo is by far the superior draftsman, with a far superior understanding of anatomy."

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Leonardo's is also more faithful to the text, she explained.

"Nowhere does Vitruvius say that the man is positioned inside the circle and the square at the same time. 'A man lying flat on his back, can be circumscribed by a circle if his hands and feet are outstretched,' writes Vitruvius. Similarly, his height is equal to his arm span, 'just as in areas that have been squared with a set square.'"

Giacomo Andrea's figure has only one set of arms and legs, which are simultaneously circumscribed by a circle and outlined by a square, while "Leonardo deals with [the two propositions] by having the position of his man's arms and legs change. That, I would have to admit, makes his drawing a closer approximation to the textual description than Giacomo Andrea's," McEwen wrote.

One thing is certain. The better Vitruvian man gained international fame, while the simpler but possibly more original one was left to languish in a library for five centuries. That may have to do with the very different fates met by Leonardo and Giacomo Andrea. When the French invaded Milan in 1499, the former fled to safety and went on to achieve eternal renown. The latter stayed in Milan and was hanged, drawn and quartered by the French, and largely forgotten by history ? until now.

Follow Natalie Wolchover on Twitter @nattyover. Follow Life's Little Mysteries on Twitter @llmysteries, then join us on Facebook.

? 2012 LifesLittleMysteries.com. All rights reserved. More from LifesLittleMysteries.com.

Source: http://www.msnbc.msn.com/id/46204318/ns/technology_and_science-science/

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Video: New Retirement: Invest in ETFs?

Nearly $29 billion has flowed into ETFs this month and last year inflows into ETFs was nearly double the money going into mutual funds. Is the trend set to continue in 2012? CNBC's Sharon Epperson reports.

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Source: http://video.msnbc.msn.com/cnbc/46209018/

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